Debt

Independent Business Review (IBR)

Lender-commissioned review of a stressed borrower's finances, viability and options.

Independent Business Review (IBR)Image · Independent Business Review (IBR)
Overview

An independent business review (IBR) is a lender-commissioned assessment of a borrower under financial stress: its financial position, cash flow, viability and the realistic options open to lenders and the company. Matchpoint prepares independent business reviews for banks, credit funds and lending syndicates, giving them an objective, evidence-based view of a stressed exposure and the restructuring, refinancing or recovery paths available.

As part of our Debt practice, Matchpoint Partners has originated and led $2+ billion of transactions across four continents, and every debt mandate is led by a partner, from first call to close.

How Matchpoint helps

Our role on independent business review (ibr) mandates

  • Independent assessment of the borrower's financial position and viability
  • Short-term liquidity and 13-week cash-flow review
  • Business-plan and forecast challenge with sensitivity analysis
  • Options analysis: restructuring, refinancing, sale or enforcement
  • Clear, evidence-based conclusions for the lender group
Track record

Select transactions

Representative debt mandates led by Matchpoint partners.

Infrastructure · Nordics
$100m

Data centre construction & refinancing facility.

Project / Data Centre Finance · Nordics
Real Estate · UAE
$300m

Ultra-premium land bank — Sukuk + private credit at ~8.5%.

Debt Adviser · UAE
Real Estate · Dubai
$190m

Receivables financing with tripartite escrow.

Debt Adviser · Dubai
Industrials · UAE
$15m

Working capital via invoice discounting & supplier finance.

Debt Adviser · UAE
Battery Tech · UAE
$10m

Venture debt for a battery-technology company.

Debt Adviser · UAE
Questions, answered

Independent Business Review (IBR) — frequently asked questions

An IBR is an objective, lender-commissioned review of a business under financial stress, covering its finances, cash flow, viability and the realistic options for lenders and the company. It gives a bank or credit fund an evidence-based basis for its next decision.

Usually the lenders: banks, credit funds or a lending syndicate exposed to a stressed borrower, who want an independent view before they restructure, refinance, extend or enforce. The borrower often bears the cost, but the review is independent.

The borrower's financial position and performance, short-term liquidity and cash flow, the credibility of its business plan and forecasts, and an options analysis spanning restructuring, refinancing, sale or recovery.

Yes. The value of an IBR is its independence. Matchpoint reports objectively to the lenders on the evidence, even where the conclusions are difficult for the borrower.

The IBR informs the lenders' decision and often leads directly into the next step: a restructuring, refinancing, a rescue or DIP facility, an accelerated sale, or a recovery process, each of which Matchpoint can advise on and, where relevant, finance.

Matchpoint originates senior, mezzanine, hybrid and structured debt from regional banks, international lenders and private credit funds, structured around your transaction. Tickets range from USD 10m to USD 500m+.

Private credit is non-bank lending from specialist funds, typically senior or unitranche, offering speed and flexibility. We maintain relationships with private credit funds active in the GCC and India.

Yes. We structure Sukuk and Shariah-compliant private credit, including blended structures pairing a Sukuk tranche with conventional debt.

Matchpoint works primarily on a success fee, with a modest retainer to cover execution. Fees are agreed in writing up front and scaled to the size and complexity of the transaction — with no hidden costs.

Most mandates reach a first term sheet within 30 days, depending on diligence readiness and structure; closing follows once terms are agreed.

A short, confidential scoping call and NDA; we structure the requirement and prepare materials, then run a competitive process across our 5,000+ investor and lender relationships, and negotiate to close — with a partner leading at every step.

Matchpoint Partners is based in the UAE and runs cross-border mandates across the UAE, KSA, India and the UK, with active deal activity in wider Europe, Singapore and the United States.

Matchpoint has originated and led $2+ billion of transactions, with equity tickets typically USD 5m–300m, debt USD 10m–500m+, real estate finance USD 20m–500m+, and fund placements for funds of USD 50m–1bn+.

Use the enquiry form, email ck.adya@matchpoint-partners.com, or call/WhatsApp +971 52 345 1119. Every mandate is led by a partner from the very first conversation.

Yes. Matchpoint runs discreet, confidential processes and discloses client identities only under a signed non-disclosure agreement (NDA).

Interested in independent business review (ibr)?

Tell us your requirement and a partner will respond personally.

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